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商事担保源出于民事担保,指商主体基于债权安全或融资之目的,以第三人信誉或特定财产确保债权实现的商行为。商事担保与民事担保呈现出不同的特征,而商事担保媒介融资功能的产生有利于商主体良性发展,最终促成了商事担保在形式与实质上的相对独立。商事担保确保债权安全功能与媒介融资功能在不同的商事担保方式中具备不同的强度。从商法价值论角度来讲,商事担保制度完成了由侧重维护交易安全价值和交易公正价值到以维护交易效率价值和交易自由价值为主,兼顾维护交易安全价值和交易公正价值的转型。
The source of the commercial guarantee is the civil guarantee, which refers to the commercial entity that guarantees the realization of the creditor’s rights with the reputation of the third party or the specific property for the purpose of creditor’s rights security or financing. Commercial guarantee and civil guarantee show different characteristics, and the emergence of commercial guarantee media financing is conducive to the healthy development of business owners, which eventually leads to the commercial security in the form and substance of relative independence. Commercial guarantee ensures that the security function of claims and the function of media financing have different strengths in different commercial guarantee methods. From the perspective of the law of commercial law, the commercial guarantee system has completed the transition from focusing on the maintenance of transactional security value and transaction fair value to maintaining the transaction efficiency value and transaction free value, taking into account the maintenance of transactional security value and transaction fair value.